Bardstown Car Insurance

Everything You Need to Know About Car Insurance in Bardstown

Find the right car insurance policy for you.

Bardstown, KY was recognized by USA Today as the “Most Beautiful Small Town in America.” Located in the heart of the bluegrass region, Bardstown offers a heavy dose of southern hospitality with a touch of small-town charm. Whether you’re heading out to visit the Kentucky Railway Museum or off to spend a day white water rafting, you’ll have to navigate the busy streets and constant traffic. Make sure you’re prepared with the best Bardstown car insurance. 

Our Independent Insurance Agents specialize in helping Bardstown drivers find reliable auto insurance at affordable prices. Whether you’re a brand-new driver or an experienced driver behind the wheel for decades, our experienced agents can help you find the best auto insurance coverage for your unique situation.

  • National average cost per year: $1,311
  • Kentucky average cost per year: $1,341
  • #21 most expensive auto premium in U.S.

Kentucky drivers can expect to pay a little more than the national average for auto insurance, but rates will vary dramatically depending on several unique factors. The type of car you drive, your driving record and your age are all considered when determining your customized rate for auto insurance in Bardstown.

Kentucky Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): not required
  • Minimum liability limits: 25/50/10

In Kentucky, the minimum coverage limits are $25,000 for individual injuries, $50,000 for total injuries in an accident and $10,000 for any resulting property damage. Kentucky law mandates these minimums to help ensure that drivers select adequate coverage for the most common accidents. Keep in mind that you always have the option to invest in more coverage, a decision that usually pays off in a big way if you ever end up in a serious accident where the costs exceed your coverage limits.

Number of Uninsured Motorists in Kentucky

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Kentucky drivers: 15.8%

Car accidents are always traumatic, but the devastation becomes even worse if the driver at fault isn’t insured. Our Independent Insurance Agents can help you add uninsured motorist coverage to your car insurance policy so that you are always covered, even if the other driver isn’t.

Number of Auto Thefts in Kentucky

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Kentucky: 1.87

In a quiet little city like Bardstown, it’s hard to imagine that auto theft could ever be a problem, but it does happen from time to time. Make sure you keep your car doors locked, and park in well-lit areas if you are venturing out at night into the city’s more remote locations. Most importantly, talk to an Independent Insurance Agents about which auto insurance policies offer the best protection against auto theft.

Find a Great Bardstown Car Insurance Policy

Shopping for auto insurance can seem overwhelming with so many coverage options competing for your attention. Our Independent Insurance Agents will make the whole process easy by answering your questions and pointing you toward the most comprehensive auto insurance for your vehicle. Our experienced agents also proudly offer quotes on multiple policies, giving you the chance to compare rates and find a plan that works for your budget. 

Contact an Independent Insurance Agent today to learn more and to get a free rate quote on Bardstown auto insurance.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn